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Rude HSBC Credit Card Call Centre Staff threatened me
Yesterday I had to call HSBC to request a chargeback investigation on something I ordered on the Internet that never arrived. I was put on hold for 20 minutes then transferred to another lady whom I've been told is responsible for this type of request. My issue was solved in 5 minutes, however just before I was going to…
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Credit card questions
Hi guys, any helpers available here, Ive got 5 credit cards, i know far too many and im paying them down. the thing is im thinking about paying 1 off in full and then trying to balance transfer onto it from 1 of the other cards to help keep interest down. My only concern is that ive been late paying a few of them about 6…
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CCA card before april 2007
Hi Everyone ! This is my first time writting on the forum so apologises if I am using the wrong thread etc. Basically I was looking for some help and advise on my credit card agreements. 12+2 days ago I posted letters with £1 postal order enclosed to Barclaycard, Egg, Mint asking for my credit agreement. I have received a…
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First Credit Card
Dear all, This is my first fortee in the Money Saving Expert website, i had a few questions ive applied for my first credit card as i wanted one for emergency purposes etc. I had a few questions on terminology. I initially applied for a Virgin Credit Card, but i got turned down because of my income criteria and not enough…
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Credit Card On Holiday (Abbey Zero)
Just read new weekly email & i've been looking at the part about spending abroad. Got a few questions:- 1.States no fee for ATM withdrawals but later state 27.6% for withdrawals, slightly confused. 2.Do you get a better exchange rate euro vs pound when using the card at an ATM abroad than buying Euros pre holiday at…
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New Card to Combat Fraud - Or PINing the Blame?
Visa are trialling a new type of Credit Card to Combat Fraud. Visa claim that a PIN proves you are who you say you are (BBC Radio 5 Live - 13 May 2009). BBC Video (click here). Discuss
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Getting declined and the plausible reasons
as far as i was aware if you got declined for credit the company involved HAVE to give you a reason these include 1. Not meeting internal Credit score 2. Adverse data present on CF and i know theres a third one jsut for the life of me cant remember it. But to not include one of these reasons and to just state that they…
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What lender p!sses you off the most?
We all have a moan about different lenders and the way some treat their customers so why don't we have a thread purely to have a moan about a paricular lender and what they've done to upset you so much. This thread could turn out to be quite amusing with some horror stories attached...... We have to be careful of libel so…
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Which credit rating service is used by which lender?
I've been trying to find this on the main site but no luck. Martin used to have a list up showing which of the credit reference agencies was used by which bank/lender. Does anyone have a link to it? thanks
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privacy guard
I ned to cancel while in the 30 day trial and it says call them etc to do it but i feel they are going to try to talk me out of it etc When i read the terms agreement book it also says you can write to them to cancel But it dosent say that on the welcome letter Im just worried if i write will they say you shoud have phoned…
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Loophole in credit card debt
Hi can anyone help me with this problem. My sister split from her partner in Sept. Sometime before that he asked my sister to transer two of his credit card balances onto her credit card as she was offered a 0% interest. He originally agreed to continue to make the payments and to sort out transfering them back to a card…
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Should i balance transfer?
Hi all, help required please. I have the M+S card with the 10 months free intrest on purchases, I have purchases on the card. I have £900 on another card i would like to transfer as its costing roughly £10 per month interest, 9.9APR. I am still in the period to balance transfer at 0% for 6 months so the purchases and BT…
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Receiving the CC (Secure Post?)
Do the cc companies(barclaycard) send your card via the standard post or secure method(i.e. courier)? Was wondering since i got an email saying that my card its on its way last week but i have yet to receive it. I hope its not courier because i'm at work everyday and they cannot get access to my mailbox to leave me a card…
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Credit score - pay a few off or a big one ?
Hi Just done a check on creditexpert, which shows I am good at paying my cards regularly, am using only 12% of my "possible" credit allowance, everything in order with no non payments ccj's etc, but only a score of 794 = Fair. :cool: I owe, in total £4353, credit card 1 = £2499, credit card 2 = £767, Buy now,pay later…
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Defaulted
What does it mean when your credit card account has defaulted! I have gone over the credit limit on my Credit card in the past. But i have payed every payment on time! Does this mean i have defaulted my credit card account and there for will have a bad credit rating??
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Virgin Card late fees, when paid up for the month
Hello, Need some advice, my husband and I recently transferred onto the Virgin Credit Card for the 15 months at 0% and transfered over a balance. After paying well over the minimum amount we have been charged for late fees and interest....get this the due date for payment was 25th April, I paid on the 3rd, but virgin only…
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New credit card application declined - experian
Hi Just applied for a virgin credit card and it was declined, When I phoned to question as I thought I had a good credit history. I was told there was nothing of concern on there but apparently on my credit file with Experian they only hold a mobile phone account. I explained that I had a bank loan and a barclaycard just…
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Don't get ripped of by Nat west Credit Cards
Nat West reach a new low by charging interest on your balance transfer fee. If you do a 0% balance transfer beware as they charge you interest on their fee as they treat it as a purchase not as part of the balance Tf (As other card providers do) Oh well I suppose they need to get back Sir Freds pension money some how
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How long to restore credit rating?
My son is 25 and has 4,500 on a credit card and 500 on a store card. He is about to pay off both. He has been in fulltime employment since he was 16 and has a current account which his wages go into. We know he currently has a bad credit rating as he has been refused a mobile phone contract on more than one occasion. Once…
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Chip & PIN Fraud - Result Well Done The Old Bill
Another crook nicked but at some cost. "more than 1,000 credit and debit cards were cloned at a Northampton petrol station, netting international fraudsters at least £300,000" Suntharam Thevaratnam, 33, turned off CCTV cameras and allowed a bug to be placed inside the Chip and PIN machine at the Shell garage on the A45…
